What Is a Prepaid College Fund?

The so-called prepayment means that the user must pay a fee in advance before using the service, and this fee is actually deducted after the user successfully uses the service.

Prepaid

The so-called prepayment means that the user must pay a fee in advance before using the service, and this fee is actually deducted after the user successfully uses the service.

Chinese name

Prepaid

Foreign name

Prepaid

Concept

advance payment

Prepaid and prepaid concepts are somewhat different, but many people confuse the two. The prepayment has been said before, so the prepayment is to pre-store a certain amount of telephone charges in the user account in advance. Prepayment corresponds to postpayment. such as

With our country

Mr. Ye, who lives on Bingzhou South Road, has been informed by the gas company that his 100 yuan pre-stored in the gas card has been used up, please renew it immediately. This time, Mr. Ye directly prepaid 300 yuan. By the way, he pre-stored 300 yuan in the electricity bill, and he explained, "It's too much trouble to pay back and forth!"

Mr. Yang applied for one for convenience

For prepaid consumers

Many consumers have questioned the collection of prepayments in some monopoly industries. "So many prepayments are used before we finish the consumption. What are we doing? Is it to put interest in banks? Or to invest in the capital market?"

Take fixed telephones as an example. There are about one million fixed telephone users in Taiyuan. Mr. Wu Lao calculates an account. Up to more than 50 million yuan, calculated according to the current annual interest rate of current bank deposits of 0.72%, the interest rate alone is 360,000 yuan. However, where does this profit go? We landline users are real investors, but we do nt see a penny. Win

Prepaid water meter

Lee did not get any returns. "

As with telephone bills, consumers do nt know where the pre-charges for electricity, gas, and oil bills go before consumption is complete. During the interview, consumers said, "The profit of this fee should be returned to us in the form of rebate or profit."

For prepaid companies

The user questions the 10060 operator. The operator said that when the fixed telephone is installed, the status setting is divided into two types. One is the "consumer of the month" type, which must be pre-stored at the beginning of the month for the consumption of this month's calls; the other is "the next month of consumption". The type is to pay the telephone bill after the telephone bill is consumed. However, when each fixed telephone was installed, Netcom has automatically set its initial state to the "consumer of the month" type. If consumers are unwilling to use the "consumer of the month" type, they can tell the 10060 operator of the phone password, or bring the owner's ID card to the Netcom business hall to change it to the "consumer of the next month" type.

A person in charge of the communications industry said: No matter what type of consumption, this money is ultimately used for consumers' daily consumption, and the pre-charge is an embodiment of the company's active service consciousness.

Prepaid shelling problem

"It is illegal to force a prepayment in an industry with a monopolistic advantage!" Hao Jinsong, a graduate student at the China University of Political Science and Law who frequently "chased" monopolistic industries, clearly stated in an interview that "they violate the general principles of civil law, contract law, and consumer rights and interests." The principle of fairness in the protection law. Originally, on the premise of not violating the principle of fairness and the voluntary mutual benefit between consumers and related service providers, it would be understandable for service providers to charge a certain amount of prepayment. In order to prevent a small number of users from maliciously spending Overdrafts and collection of prepayments are an effective way for enterprises to avoid risks. The benefits generated after this part of the expenses should be returned to consumers. However, some monopoly industries currently charge consumers forcibly, which is a legally overlord clause It is an improper profit, an illegal fundraising in disguise! At present, it is conservatively estimated that there are 10 million fixed-line users in Shanxi Province. If each user deposits 50 yuan per month, the total pre-deposit for one month is 600 million yuan. If this money It s relatively safe for consumers to just use it to earn interest on bank deposits; if the money It is used for investment, and if the investment fails, it is the consumers who ultimately suffer. "

Prepayment does not only exist in monopolized industries. There are also prepayments in some more competitive industries, but in order to attract customers, they often allow a large portion of profits to be returned to consumers. In order to attract customers and attract funds, a famous western restaurant also launched a prepaid consumer card. If 500 yuan is stored in the card, consumers will enjoy a 20% discount when dining and get a 50 yuan voucher; deposit Enter 1,000 yuan, enjoy 15% off, get 150 yuan vouchers, etc., the more you deposit, the more discounts and discounts you enjoy.